Advantages of financing with Marlin

Effective cash flow management is an extremely important element to a successful business- small or large. Equipment financing offers business owners a means to acquire equipment based on an
operating budget- not based on capital or cash on hand.

100% Financing- Since a lease often doesn't require a down payment, it's equivalent to 1005 financing.

Flexibility- As businesses grow and needs change. You will be able to add or upgrade equipment at any point during the financing
term.

Asset Management- Financing provides the use of equipment for specific periods of time at fixed payments. The financing company assumes
and manages the risk of equipment ownership. At the end of the term, if you elect to return the equipment, the financing company is responsible for the disposition of the asset.

Tax Advantages- There are tax incentives for purchasing new equipment. By financing your equipment, the amount you in taxes could be
greater than what you pay in the first year of a lease. Their new equipment could make you money from day one!

Logic of Financing

CAN YOU...

FINANCING WITH MARLIN

CASH PURCHASE

BANK LOAN

acquire equipment without a substantial cash outlay?

YES

NO

NO Most banks require a large down payment.

Upgrade or add equipment without difficulty?

YES

NO

NO Most banks require reapplication for another loan

Match payments to your current cash flow?

YES

NO

NO

Avoid affecting your bank lines of credit?

YES

NO

NO In fact, you will be affecting it a great deal.

Get approval for financing in one day?

YES

NO

NO it could take days or even weeks.

Customize your payment plan or even defer payments

YES

NO

NO

5 Easy Steps

1.SHOP- Find the equipment or software solution you need for your business.

2. APPLY- Complete a simple credit application. Once the application is complete, we will begin the credit approval process and have an
answer to you within 2 hours.

3. SIGN- Upon approval, the finance documentation package will be completed and sent to you for signature. Once the signed documentation
is received, your equipment or software can be ordered through your vendor.

4. RECEIVE- Upon receiving your equipment or software, Marlin will commence the lease.

5. PAY- Once the lease is commenced, your first invoice will arrive within 30 days and you will be billed monthly for the duration of
your finance term.

Marlin Equipment Finance is here to help support and grow your business. Since 1997, Marlin has provided customized equipment financing solutions to over 300K
small businesses allowing them to update software, replace obsolete equipment, secure their business capital and grow their businesses. Marlin can offer quote options for anything between $1K-$5MM.
Bulk purchases can also be considered ($1K+). If your product is more than $100K call Michael McDermott at Marlin Equipment Finance toll free at (888) 479-9111 ext. 4299. He's ready to
assist!